Great Southern Bancorp (GSBC)
NASDAQ:GSBC
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Great Southern Bancorp
(NASDAQ:GSBC)
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Rating:62Neutral
Price Target:
$64.00
â–¼(-1.87% Downside)
Action:ReiteratedDate:03/19/26
GSBC’s score is held back primarily by weaker financial quality signals in the latest TTM period (negative free cash flow, higher leverage, and softer revenue), and by bearish technical momentum. These are partially offset by an attractive valuation (low P/E with a dividend) and a generally constructive earnings-call backdrop featuring margin improvement, strong credit quality, and continued capital returns despite loan-growth uncertainty.
Positive Factors
Net Interest Margin Expansion
Sustained NIM expansion indicates durable ability to manage funding and loan pricing. Even with loan runoff, expanding margins support core net interest income over the medium term, helping profitability and providing buffer against modest revenue pressure from lower balances.
Negative Factors
Loan Contraction
A meaningful decline in loan balances shrinks the bank's core interest-earning asset base, reducing sustainable NII and revenue diversity. Prolonged payoff-driven contraction makes meeting growth expectations harder and raises dependence on non-loan income or wholesale funding to sustain earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Margin Expansion
Sustained NIM expansion indicates durable ability to manage funding and loan pricing. Even with loan runoff, expanding margins support core net interest income over the medium term, helping profitability and providing buffer against modest revenue pressure from lower balances.
Read all positive factors
Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$715.02M
Dividend Yield2.48%
Average Volume (3M)38.85K
Price to Earnings (P/E)9.9
Beta (1Y)0.69
Revenue Growth0.67%
EPS Growth17.88%
CountryUS
Employees882
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.45
Shares Outstanding10,963,133
10 Day Avg. Volume44,382
30 Day Avg. Volume38,848
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)1.10
Price to Sales (P/S)2.04
P/FCF Ratio10.59
Enterprise Value/Market Cap1.48
Enterprise Value/Revenue3.07
Enterprise Value/Gross Profit4.59
Enterprise Value/Ebitda11.29
Forecast
1Y Price Target
$63.00Price Target Upside-3.40% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.2
Revenue Forecast (FY)$221.24M
Great Southern Bancorp Business Overview & Revenue Model
Company Description
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts...
How the Company Makes Money
GSBC primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while incurring operating and credit costs typical of a depository institution. Net interest income is the largest ...
Great Southern Bancorp Earnings Call Summary
Earnings Call Date:Jan 21, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 15, 2026
Earnings Call Sentiment Positive
The call portrayed a generally positive operational and financial position: earnings and margins improved year-over-year, asset quality and capital metrics were strong, liquidity and shareholder returns remained robust. However, meaningful headwinds persist — notably a 7.1% decline in loans, modest deposit declines, lost swap income, and uncertainty around continued elevated payoffs and loan growth. Expense pressure from technology and facilities and a modest provision for unfunded commitments were noted. Overall the positives (profitability, margin expansion, strong credit and capital, active buybacks/dividends) outweigh the negatives, though growth uncertainty is a material caveat.Positive Updates
Improved Quarterly and Annual Net Income
Q4 2025 net income of $16.3M ($1.45/diluted share) vs $14.9M ($1.27) in Q4 2024 — a year-over-year increase. Full-year 2025 net income was $71.0M ($6.19/diluted share) vs $61.8M ($5.26) in 2024, reflecting solid annual earnings growth.
Negative Updates
Decline in Loan Balances
Total net loans receivable were $4.36B at year-end, down $333.5M or 7.1% year-over-year, driven by elevated payoff activity across multifamily residential, commercial construction, one- to four-family and commercial business loans.
Read all updates
Q4-2025 Updates
Positive
Negative
Improved Quarterly and Annual Net Income
Q4 2025 net income of $16.3M ($1.45/diluted share) vs $14.9M ($1.27) in Q4 2024 — a year-over-year increase. Full-year 2025 net income was $71.0M ($6.19/diluted share) vs $61.8M ($5.26) in 2024, reflecting solid annual earnings growth.
Read all positive updates
Company Guidance
Management gave no formal forward-looking guidance but reiterated priorities to preserve NIM, protect credit quality, control expenses and deploy capital thoughtfully, noting Q4 NIM was 3.70% (up from 3.49%), Q4 NII $49.2M, Q4 net income $16.3M ($1.45/diluted share) and FY net income $71.0M ($6.19/sh); they expect loan growth to remain challenging after net loans fell to $4.36B (down $333.5M or 7.1%), deposits at $4.48B (down $122.8M or 2.7%; brokered -$108.7M; core CDs -$87.3M offset by interest-bearing checking +$75M), and emphasized strong asset quality (NPAs $8.1M, 0.15% of assets; Q4 net recoveries $22k; provision for unfunded commitments $882k), modest upward pressure on expenses from annual salary resets and payroll taxes despite Q4 noninterest expense of $36.0M (efficiency ratio 63.89%), and continued capital returns and liquidity flexibility (stockholders’ equity $636.1M, 11.4% of assets; tangible common equity 11.2%; book value $57.50; cash $189.6M; ~$1.63B borrowing capacity; buybacks 241k shares in Q4 at $59.33, 755k for 2025 at $58.35; dividend $0.43/qtr, $1.66 for 2025).Great Southern Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 343.30M | 355.26M | 326.91M | 261.12M | 236.99M |
| Gross Profit | 229.76M | 216.99M | 226.37M | 227.57M | 222.00M |
| EBITDA | 87.30M | 84.45M | 94.66M | 103.88M | 105.50M |
| Net Income | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M |
Balance Sheet | |||||
| Total Assets | 5.60B | 5.98B | 5.81B | 5.68B | 5.45B |
| Cash, Cash Equivalents and Short-Term Investments | 825.51M | 195.76M | 689.54M | 659.11M | 1.22B |
| Total Debt | 405.17M | 166.34M | 172.81M | 277.98M | 238.32M |
| Total Liabilities | 4.96B | 5.38B | 5.24B | 5.15B | 4.83B |
| Stockholders Equity | 636.13M | 599.57M | 571.83M | 533.09M | 616.75M |
Cash Flow | |||||
| Free Cash Flow | 66.24M | 39.14M | 73.40M | 46.47M | 79.24M |
| Operating Cash Flow | 77.71M | 44.06M | 80.70M | 66.58M | 84.98M |
| Investing Cash Flow | 370.99M | -175.39M | -88.21M | -801.28M | 190.71M |
| Financing Cash Flow | -454.90M | 115.75M | 50.32M | 185.95M | -122.15M |
Great Southern Bancorp Technical Analysis
Positive
65.22
Price Trends
62.16
Positive
61.70
Positive
60.30
Positive
Market Momentum
0.65
Negative
67.24
Neutral
87.75
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 65.22 is above the 20-day moving average (MA) of 61.98, above the 50-day MA of 62.16, and above the 200-day MA of 60.30, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 67.24 is Neutral, neither overbought nor oversold. The STOCH value of 87.75 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.
Great Southern Bancorp Risk Analysis
Great Southern Bancorp disclosed 35 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Great Southern Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $828.54M | 12.33 | 14.49% | 2.18% | 22.24% | 18.63% | |
71 Outperform | $905.10M | 8.79 | 10.19% | 2.12% | 17.99% | 11.08% | |
68 Neutral | $801.75M | 12.13 | 8.86% | 3.48% | 5.75% | 20.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $715.02M | 9.89 | 11.33% | 2.48% | 0.67% | 17.88% | |
62 Neutral | $737.23M | 11.33 | 10.88% | 1.12% | 0.21% | 14.54% | |
61 Neutral | $829.81M | 9.23 | 7.31% | 2.58% | 12.09% | -15.97% |
* Financial Sector Average
GSBC
Great Southern Bancorp
65.22
13.26
25.52%
MPB
Mid Penn Bancorp
32.99
8.39
34.08%
TRST
TrustCo Bank
45.27
17.24
61.49%
HTB
Hometrust Bancshares
43.55
10.25
30.78%
BFST
Business First Bancshares
27.67
5.52
24.90%
FSBC
Five Star
38.76
13.10
51.08%
Great Southern Bancorp Corporate Events
Dividends
Great Southern Bancorp Extends Longstanding Quarterly Dividend Streak
Positive
Mar 18, 2026
On March 18, 2026, Great Southern Bancorp, Inc., the holding company for Great Southern Bank, declared a first-quarter cash dividend of $0.43 per common share for the calendar year ending December 31, 2026. The dividend will be paid on April 14, 2...
Business Operations and StrategyShareholder Meetings
Great Southern Bancorp Plans Virtual 2026 Annual Meeting
Positive
Feb 17, 2026
Great Southern Bancorp, Inc. announced on Feb. 17, 2026, that it will hold its 37th Annual Meeting of Stockholders as a virtual-only event via live webcast at 10 a.m. CDT on Wednesday, May 13, 2026. Holders of the company’s common stock as o...
Business Operations and StrategyFinancial Disclosures
Great Southern Bancorp Reports Strong Preliminary 2025 Results
Positive
Jan 22, 2026
On January 21, 2026, Great Southern Bancorp reported preliminary results showing improved profitability for the fourth quarter and full year ended December 31, 2025, with quarterly earnings rising to $1.45 per diluted share from $1.27 a year earli...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.